Energy High Interest Checking
As low as
5.00 % APY*
Meet Energy High Interest Checking

Your checking account is the account you use everyday. Groceries, bills, shopping, and more. What if you could earn more money with that same everyday account? With ECCU's Energy  High Interest Checking account you can! We are committed to offering competitive interest rates to position ourselves as the best choice for your finances. 

It's Easy As 1, 2, 3!
With the Energy High Interest Checking Account you can earn more with your primary spending account and it's as simple as 1, 2, 3.

Do  these three easy things each month and you can earn higher interest rates:

  1. Make 12 Debit Card transactions per month
  2. Receive monthly eStatements 
  3. Log into Online Banking at least once a month

Earn More Money with the Account You Use Every Day

High Interest, High Reward
When you open your Energy High Interest Checking Account, you receive a host of benefits including 5.00% APY on balances from $1 to $20,000, no monthly service charge, no minimum balance required, and ECCU ATM fee refunds. 
Plus, Enjoy These Other Free Features:
  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Thank You Gift
  • FREE Mobile Banking and Mobile Deposit
  • FREE eStatements with Online Check Images
  • Buy back of your unused checks and debit cards from another financial institution up to $10
  • FREE deposit insurance of at least $250,000 via NCUA
The One Checking Account To Meet Your Needs

Ready to take control of your finances? Opening your Energy High Interest Checking Account with ECCU is quick, easy, and hassle-free. Join thousands of satisfied members who have made the switch to high interest banking.

What You Need To Apply:
  • Government-Issued ID/Drivers License/State ID or Passport with current address
  • Your complete physical and mailing address
  • Social Security Number
  • Date of Birth
How To Apply:

  • Apply Online or in person at one of our branch locations
  • Utilize our convenient 3-step online application

Access Your Money Anytime, Anywhere

Life moves fast and your funds should move at the same speed. Energy Capital is committed to serving our members anytime and anywhere. With services like online banking, a wide ATM shared network, and conveniently located branches - you can access us with ease.

Mobile & Online Banking
With our digital banking experiences, you can take your finances with you on the go with our updated mobile app and access your funds with our online banking portal. Cards, transfer, investing, and more!

ATM Network
Deposit or withdraw what you need to at one of our branch located ATMs or at one of the many shared ATMs located across the Houston area. Locate an ATM near you here.

Member Support
Get in touch with us for any of your questions and concerns. Contact us online, by phone, in-person at one of our branches, or using our online chat feature.


Energy Capital Credit Union is a not-for-profit financial institution that is interested in safe guarding and supporting our member's finances and financial goals. As a member, you get to vote and have a say in how our credit union runs giving you peace of mind that your interest is always at the center of what we do. Join today and experience the credit union difference. 
ECCU offers a full suite of financial products and services
  • Checking and Savings 
  • Loan Options
  • Credit Cards
  • Investing
  • Retirement Accounts
  • Financial Counseling
  • And More!

All the tools you need to manage your money.